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We want to ensure that you fully understand how our investment service is provided to you and the terms and conditions of the service. Please ensure that you review the documents below before you take out an investment with us. Thank you.

A Self Invested Personal Pension. This is a pension scheme that allows you to invest in a whole range of funds and other assets not just those of Insurance Company. You can also appoint a Discretionary Fund Manager to manage…

Investment Diversification is basically the art of spreading your investments around over a number of different ‘platforms’, protecting you from potentially losing a significant amount of your assets value in a market downturn. The sharp decline in stock prices in recent...

An annuity is a product that converts the money you’ve saved up in your pension pot into a monthly or yearly retirement income payable for either the rest of your life or a fixed number of years. You don’t have...

An Individual Savings Account (ISA) is a scheme that allows individuals to hold cash, shares, and unit trusts free of tax on dividends, interest, and capital gains. There are two main types of ISA: Cash ISA’s where all interest earned on money...

Gilts are Bonds that are issued by the British Government to raise money. They are generally considered to be a low risk investment. The term originated in Britain and referred to debt securities that had a gilt (or guilded) edge. Conventional gilts...

We have created a set of resources incorporating answers to questions our client’s have asked us. This is by no means a comprehensive list and we are always happy to answer any questions that you may have that have not already...